Equifax Trade Check Rating Codes
| Installment | Revolving or Option Account | Open Account (30, 60, or 90-day account.) | Meaning |
|---|---|---|---|
| I0 | R0 | O0 | Too new to rate |
| I1 | R1 | O1 | Pays account as agreed |
| I2 | R2 | O2 | Not more than two payments past due |
| I3 | R3 | O3 | Not more than three payments past due |
| I4 | R4 | O4 | Not more than four payments past due |
| I5 | R5 | O5 | More than 120 days or four payments past due |
| I7 | R7 | O7 | Making regular payments under WEP. |
| I8 | R8 | O8 | Repossession |
| I9 | R9 | O9 | Bad debt; placed for collection |
| IA | RA | OA | Account is inactive |
| IB | RB | OB | Lost or stolen card |
| IC | RC | OC | Contact member for status |
| ID | RD | OD | Refinanced or renewed |
| IE | RE | OE | Consumer deceased |
| IF | RF | OF | In financial counseling |
| IG | RG | OG | Foreclosure process started |
| IH | RH | OH | In WEP of other party |
| IJ | RJ | OJ | Adjustment pending |
| IM | RM | OM | Included in Chapter 13 |